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The Credit People

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As seen in The Wall Street Journal, Smart Money, and USA Today, The Credit People is a very experienced company with lots of positive reviews. They save you time and a lot of frustration by taking care of everything when repairing your credit and raising your credit scores. With their staff of credit specialists and a very unique and innovative approach to credit repair, The Credit People have developed a service that heavily favors the consumer. If you’re looking for a company that handles everything for you, with the experience to back it, The Credit People is the best choice.

hthecreditpeopleome1D BBB Score

The Good

The Credit People makes it easy for their customers, and still provides outstanding results with their proven service.  They start within 48hrs by providing you with your own online account so that you can follow the progress made with your credit. A popular unique feature is that they are the only company that provides you with all 3 credit reports AND all 3 credit scores from the credit bureaus completely free, as well as a full satisfaction guarantee.

The Credit People also focuses on score-driven results by ensuring that you receive the highest credit score increase they can possibly achieve.  Unlike some of their competitors, The Credit People provides a single all-encompassing that includes all the features without any extra fees. The straightforward nature of their service extends to their website, which is full of useful information and explanations. Customers can easily sign-up for The Credit People service online.  Some other favorites about The Credit People are:

  • All 3 credit reports, and credit scores are provided for free
  • 12+ years experience
  • 100% satisfaction guarantee
  • 24 hour online account access
  • Discount for couples

The Bad

The Credit People has not been in business as long as some of their competitors. While they are a new brand launched by an experienced company, their new brand has not been out there as long.

The Bottom Line

An all-encompassing service from a proven company!  The Credit People have a solid service, with an affordable price, and a solid reputation.  It’s hard to argue with a satisfaction guarantee, and their unique features make them a stand-out company.  Their easy, yet fast starting process, along with the comfort of knowing everything is handled for you, make them a great choice and value for anyone needing to improve their credit and raise their credit score.

The Credit People follows a three step credit repair process to help you achieve your financial goals. After you sign up, The Credit People staff will take over from there and begin working to increase your credit score. Most credit repair companies require you to obtain your own credit reports, but The Credit People will do that for you.

Step #1: Credit Reports Will You Come to You

Instead of having to go out and obtain copies of your credit reports on your own, The Credit People will take over that step for you. The best part is, you will not be charged for this portion of the service. Right from the start, you will get to see your credit history and your credit scores without having to do the work or pay any of the fees.

Step #2: Dispute Process

Once The Credit People analyze your credit reports and all of your listed negative items, they will start to dispute the inaccurate claims. You will have access to an online portal that will allow you to track the progress of your case and see the improvements. The Credit People will continue to work hard throughout the entire six month duration of the service. Meanwhile, you will be able to watch your credit scores increase without having to do any of the work.

Step #3: Enjoy Improved Credit

In less than 60 days, you will start to see an improvement in your credit scores. Each time one of the credit bureaus completes an investigation on a particular item, they are required to send you the results of their findings. To ensure the best results possible, the experts at The Credit People will continue to work on your case for the entire six months.

**This is a summation of the terms and services/contract details and is in no way a complete depiction of this company’s actual terms and services or contract. The information found below is simply additional information and commentary with the intent to help the consumer. If you wish to know the exact language of the terms of service/contract, please contact this company with any questions or concerns you may have.**


“There are no ongoing monthly fees with us. You won’t find hidden fees, extra costs, or additional levels of service for more money – just the best results possible – with less waiting around. It doesn’t matter how bad your credit might seem to be, our service includes every action-step possible. We take care of everything, so you don’t have to worry about it.

To know you’re getting a service that includes everything you need gives you real peace of mind. And knowing exactly how much everything you need is — and that it’s affordable — is just a relief. There is a simple flat rate of $299 (which can be broken into just three payments of $99). It’s just another way we try to keep it simple for you, and you have our unbeatable satisfaction guarantee on your side.”

What to know:

The Credit People doesn’t charge you monthly, but instead asks for a flat-rate of $299 (or three payments of $99). There is also a satisfaction guarantee, so be aware that if you are not satisfied with the credit repair service you receive, you are entitled to getting your money back after having paid for services.


“We don’t like refund policies, warranties, or even guarantees with a “catch.” You judge the results of our services and decide for yourself if it’s worth every penny you paid. If not, we’ll give you a full refund. We’ve actually heard horror stories from new customers who were on a monthly plan somewhere else. After being strung along with confusing language and promises that led nowhere for 10 months, they received only their last month’s payment back. They were still out hundreds of dollars with nothing to show for it. Others didn’t even bother asking for a refund because they were intimidated by contracts and the complex process required to get their money back.”

What to know:

Save this information in your files. If you are not satisfied with the service, you are entitled to a refund. The Credit People claims that if you decide that the results are not up to your standard, you will receive a full refund. Make sure you understand any complexities that go into calculating the refund before signing up.


The benefits included in the flat rate price are as follows:

  • 24/7 Online Account Access
  • Free Customer Service
  • Free Updated Credit Reports and Scores
  • Score-Driven Results
  • Satisfaction Guarantee
  • Unlimited Dispute Letters
  • Credit Communication
  • Debt/Inquiry Validation
  • Certified by the FCRA
  • Help beyond credit reports

Are there any inaccuracies in this review? We take accuracy very seriously and would love your feedback. Visit our Request Reconsideration page and send us your feedback today!

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$19 First-Work Fee + Monthly Fee

Time in Business

How Long You've Been Around.
13 years



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Credit Reports

Equifax, Experian, TransUnion

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Equifax, Experian, TransUnion

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Review Last Updated: October 14, 2014

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